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Institution

Maxima Mikroheranhvatho Plc. #21AB, Street 271Phnom PenhPO Box 12308
Data approved: 2013-06-20
Data version: 3
Age of data: 131 months

Institution

Saija Finance Pvt. Ltd. Uma Complex, 3rd FloorFraser RoadPatna, BahirPO Box 800001
Data approved: 2013-02-08
Data version: 2
Age of data: 131 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.maxima.com.kh/
Year established2000
Head of InstitutionUONG Kimseng
Regions activeKandal, Phnom Penh
# Branches7

Total Portfolio (nat'l)KHR 13,000,000,000
Total Portfolio (USD)USD 3,291,139.24
Active clients with loans2,939
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsMix Market, Cambodia Microfinance Association, Credit Bureau of Cambodia
Funders

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.saija.in/
Year established2007
Head of InstitutionS. R. Sinha
Regions activeBihar
# Branches7

Total Portfolio (nat'l)INR 248,186,765.50
Total Portfolio (USD)USD 4,682,769.16
Active clients with loans24,779
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliations

Loan Products » Summary

1,393 Borrowers
USD 729,922 Portfolio
Active Product
SME
1,527 Borrowers
USD 2,448,478 Portfolio
Active Product
19 Borrowers
USD 1,115 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

3,131 Borrowers
USD 909,726.06 Portfolio
Active Product
21,648 Borrowers
USD 3,773,043.10 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Individual Loans USD 50 - 1,450 12 - 24 60% - 80% 0% - 20% Business, Housing, Consumer, Education Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Group Mtgs
SMEs Loans USD 1,500 - 27,000 12 - 30 60% - 80% 0% - 20% Business, Housing, Consumer, Education Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Group Mtgs

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Saija Karobar Rin - Business JLG INR 5,000 - 50,000 11.5 - 24 0% - 20% 80% - 100% Business Women, Men, Have business, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH Credit Ins
Saija Mahila Rin - Household JLG INR 5,000 - 50,000 11.5 - 24 80% - 100% 100% Business Women, Specific age group, Low HH Inc, Med HH Inc, Rural HH, Urban HH Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Individual Loans 22.8%-33.6% annual, Decl Bal 0 Fees 0 Ins None N/A 28.3% - 34.6% 28.3% - 34.6% 70
SMEs Loans 22.8%-28.8% annual, Decl Bal 0 Fees 0 Ins None N/A 21.5% - 22.5% 21.5% - 22.5% 100

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Saija Karobar Rin - Business JLG 25.9% - 26.3% 26.8% - 28% 27.5% - 28.8% Yes Yes Yes 100
Saija Mahila Rin - Household JLG 25.9% - 26% 26.8% - 28% 27.4% - 29.5% Yes Yes Yes 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Saija Karobar Rin - Business JLG 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.8% - 28% 27.5% - 28.8% 92
Saija Mahila Rin - Household JLG 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 26.8% - 28% 27.4% - 29.5% 92

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Individual Loans 22.8%-33.6% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 28.3% - 34.6% 28.3% - 34.6% 70
SMEs Loans 22.8%-28.8% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 21.5% - 22.5% 21.5% - 22.5% 100

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Saija Karobar Rin - Business JLG 25.9% - 26.3% 26.8% - 28% 27.5% - 28.8% Yes Yes Yes 100
Saija Mahila Rin - Household JLG 25.9% - 26% 26.8% - 28% 27.4% - 29.5% Yes Yes Yes 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Saija Karobar Rin - Business JLG 26.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26.8% - 28% 27.5% - 28.8% 92
Saija Mahila Rin - Household JLG 26.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 26.8% - 28% 27.4% - 29.5% 92
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Key Statistics
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Loan Portfolio (USD)
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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